Organizing an overseas adventure is exhilarating—whether you’re meandering around Tokyo, lounging on Bali’s beaches, or backpacking through Europe. But in all the excitement of booking flights and selecting accommodations, there’s the thing that people most frequently forget to do: buy travel insurance.
It’s 2025, and international travel is fraught with uncertainty — from flight delays and medical emergencies to trip cancellations and even natural disasters. Which is why it’s not just wise to find the right travel insurance plan to begin with; it’s necessary.
Below, we’ll break down some of the best travel insurance plans of 2025, what they include, and how to figure out which one is the best choice for your trip.
Allianz Travel Insurance – Best for Frequent Travel
Why it stands out:
In 2025, Allianz continues to be the top choice, especially for those who travel more than once a year. Their Annual Multi-Trip Plan is ideal for digital nomads or business travelers who want year-round protection.
What’s covered:
- Emergency medical and dental
- Trip cancellation and interruption
- Lost/delayed baggage
- 24/7 assistance hotline
Best for: Fliers who travel frequently and extended-stay travelers.
SafetyWing – Best for Digital Nomads & Remote Workers
Why it stands out:
SafetyWing has emerged as the go-to for digital nomads. Its flexible, subscription-like service means that coverage extends to several countries without reapplying.
What’s covered:
- International health coverage
- COVID-19 treatment
- Travel delays
- Evacuation and repatriation
Best for: Remote workers, freelancers, and long-term travelers moving from country to country.
World Nomads – Best for Adventure Travel
Why it stands out:
If your plans include scuba diving in Thailand, trekking in Patagonia, or skydiving in New Zealand, World Nomads is built for you. They offer coverage for activities that most insurers typically exclude.
What’s covered:
- Coverage for more than 150 adventure sports
- Emergency medical and evacuation
- Gear protection
- Trip cancellation
Ideal for: Adventure travelers and backpackers.
IMG – Best for Medical Coverage
Why it stands out:
For travelers concerned about healthcare in foreign countries, IMG provides robust medical solutions. Their Patriot Travel Medical Insurance is renowned for its comprehensive coverage of significant medical emergencies.
What’s covered:
- High medical expenses (up to $1M+)
- Hospitalization and surgery
- Emergency evacuation
- Prescription drugs
Best for: Travelers visiting countries with expensive healthcare systems.
Travelex – Best for Families
Why it stands out:
Planning a family vacation? For travelers with children and the elderly, Travelex is a highly recommended option. Their policies offer free coverage for children under 17 who accompany an insured adult.
What’s covered:
- Medical coverage
- Trip protection
- Travel delay reimbursement
- Baggage loss and delay
Ideal for: Families with children or elderly relatives.
How Should Travelers Plan for Travel Insurance in 2025?
Before you buy a plan, keep the following in mind:
- Medical coverage restrictions: Ensure it’s adequate for your destination.
- Adventure sports: Check if extreme activities are covered.
- COVID-19: Some plans have removed pandemic coverage. Always confirm.
- 24/7 emergency services: Critical for international emergencies.
- Pre-existing conditions: Some plans won’t cover them without a waiver.
Final Thoughts
Travel insurance offers peace of mind—whether it’s your first trip abroad or your 50th. The right plan can save you time, money, and major stress. Choose what fits your needs and destination. Don’t just go for the cheapest—go for the most valuable.
Safe travels ahead in 2025, wherever you go!